#22058, "Does insurance cover your car for autocross/track events?"
Does anyone know for a fact whether your personal auto insurance covers your car at autocross/track events? I wish I could take my car, but am worried about the whole insurance issue. Thanks.
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2004 WRX - WR Blue Pearl 1997 Eclipse GS - Royal Sapphire Pearl
#22062, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 1
I wasn't sure and had to email my wife and ask. She said that they would not cover anything that occurs at any type of racing event. That was followed by a bunch of !!!!!
#22082, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 4
Regular insurance certainly does NOT cover ANY racing event like drag racing, circle track events, or autocross, and they might not even cover you if you get into an accident street racing (maybe, maybe not, I'm not sure on that one).
You can purchase racing insurance, but that is naturally above and beyond what you would normally pay, and it's probably expensive too.
#22083, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 5 Jan-23-04 03:58 PM by 96eclipse2nr
VX, do you really think race insurance would be THAT much more? considering typical insurance is mostly there to replace 2 party's cars and pay for 2 party's medical bills. depending on the type of coverage on race ins im sure it would just cover your vehicle, maybe not health? and youd probably be the only one covered, not someone elses car or health??
edit: not trying to be argumenative, and i could be dead wrong...this is just something that i thought about reading your post
#22084, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 0
I work for an insurance company. They will not cover any races at any "organized" events. Some insurance companies actually go to auto-x websites and official member lists, and if they see your name on the list, they could cancel your policy.
___________ Kon C
"Sometimes, a man has to do what a man has to do."
#22105, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 7
Woah ok. I was actually thinking of doing a track event, but I think it's way too risky to be driving with other cars very near you on a track (although passing was only allowed on the straights). Autocross you usually don't have any risk except cones right? (since you aren't passing each other). I searched and found that if the event is considered a driver's improvement school (where you have an instructor in your car), then it has been covered by insurance in the past. However, I wouldn't want to risk that...thanks for the input...
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2004 WRX - WR Blue Pearl 1997 Eclipse GS - Royal Sapphire Pearl
#22120, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 6
Originally posted by 96eclipse2nr VX, do you really think race insurance would be THAT much more? considering typical insurance is mostly there to replace 2 party's cars and pay for 2 party's medical bills. depending on the type of coverage on race ins im sure it would just cover your vehicle, maybe not health? and youd probably be the only one covered, not someone elses car or health?? edit: not trying to be argumenative, and i could be dead wrong...this is just something that i thought about reading your post
Didn't take it as argumentative at all
I was just speculating that insurance for racing events would be expensive, since it would probably be considered a "high risk" activity.
I tried doing a quick search of racing insurance, but came up empty handed
#22121, "RE: Does insurance cover your car for autocross/track events?" In response to Reply # 8
besides... don't they make you sign a waiver before you can even attend the event? Just a little piece of paper saying you remove them from any liability for any damages to you or your property during the event.
Pretty sure that SCCA offers it's members discounted event coverage though. Check their site man!
